The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$54,456
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,149
−HK$1,721/mo
Today · 4.125%
HK$57,870
baseline
▲ 0.50% · 4.625%
HK$61,392
+HK$3,522/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,740/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,014,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,581
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,206
−HK$1,648/mo
Today · 4.125%
HK$63,854
baseline
▲ 0.50% · 4.625%
HK$67,220
+HK$3,366/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,708/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,014,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,347
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,379
−HK$2,066/mo
Today · 4.125%
HK$69,445
baseline
▲ 0.50% · 4.625%
HK$73,670
+HK$4,225/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$138,890/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,014,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,698
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,647
−HK$1,978/mo
Today · 4.125%
HK$76,625
baseline
▲ 0.50% · 4.625%
HK$80,664
+HK$4,039/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$153,250/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,014,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,238
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$78,609
−HK$2,410/mo
Today · 4.125%
HK$81,019
baseline
▲ 0.50% · 4.625%
HK$85,948
+HK$4,929/mo
Deposit HK$7.16M · loan HK$16.72M · min. income ≈ HK$162,038/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,814
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$87,089
−HK$2,307/mo
Today · 4.125%
HK$89,396
baseline
▲ 0.50% · 4.625%
HK$94,108
+HK$4,712/mo
Deposit HK$7.16M · loan HK$16.72M · min. income ≈ HK$178,792/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,020
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$101,069
−HK$3,098/mo
Today · 4.125%
HK$104,167
baseline
▲ 0.50% · 4.625%
HK$110,505
+HK$6,338/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$208,334/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,046
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$111,971
−HK$2,967/mo
Today · 4.125%
HK$114,938
baseline
▲ 0.50% · 4.625%
HK$120,996
+HK$6,058/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$229,876/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,958 · Scale 2, in force from 26 Feb 2026)